Tear up bread, mix all other ingredients together then mix in bread pieces (best if let to set for 2-4 hours or overnight). Put in
1 1/2 inch deep pan (don't want a deep pan, something like a pie pan depth) Small pieces of butter on top - cover with aluminum foil (try not to let the foil touch the top so it won't stick). Put in 350 degree f oven. Cook for 30 miutes covered, then uncover and cook for another about 15 minutes (watch so not to over cook)

Varients - blueberries instead of apples and other fruit
Serve with peccans instead of almonds